A separate form for commercial finance in all eight states should be completed.

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1 RRF 391.0: Commercial Finance Instruction Guide The purpose of this survey is to provide monthly statistics on finance provided to private and public sector businesses. The statistics are used by the Australian Prudential Regulation Authority (APRA) for regulatory purposes, and may be provided to the Reserve Bank of Australia (RBA) and the Australian Bureau of Statistics (ABS) for policy and statistical purposes. Published aggregate statistics from this collection are used for research and policy formulation by economists, State and Federal Governments, and leasing associations. A separate form for commercial finance in all eight states should be completed. RRF Commercial Finance in NSW RRF Commercial Finance in VIC RRF Commercial Finance in QLD RRF Commercial Finance in SA RRF Commercial Finance in WA RRF Commercial Finance in TAS RRF Commercial Finance in NT RRF Commercial Finance in ACT GENERAL DIRECTIONS AND NOTES Reporting Entity The Commercial Finance form is to be completed for the Domestic Books reporting entity. For corporations registered under the Financial Sector (Collection of Data) Act 2001 (eg Money Market Corporations, Finance Companies, General Financiers), report consolidated figures for all related corporations within the same Registered Financial Corporation (RFC) category. Reporting Period The information provided should be for the calendar month up to and including the last day of the month. This form is to be reported as at the last day of the reporting period. All registered financial corporations should submit the completed form to APRA within 10 business days of the end of the month. Unit of measurement All registered financial corporations are asked to complete the form in thousands of Australian dollars rounded to the nearest whole number (no decimal place). Amounts denominated in foreign currency are to be converted to AUD using the spot exchange rate effective as at the reporting date. 1 1 March 2003

2 Basis of Preparation Unless otherwise specifically stated, information reported on this form should comply with Australian accounting standards. DEFINITIONS A separate form for commercial finance in all eight states should be completed. Where the entity has no activity in any state, check the nil form box. The form requests details of new commitments to provide commercial finance to private and public enterprises. Only the Australian activities of the business should be included on the form. If exact figures are not available please provide careful estimates. Please note that the items listed under Including and Excluding are examples and should not be taken as a complete list of items to be included or excluded. What is a commitment? A commitment is a firm offer to provide finance which has been accepted by the client. A commitment generally exists once the loan application has been approved, and a loan contract or letter of offer has been issued to the borrower. commitments to related corporations except to those related corporations within the same Financial Sector (Collection of Data) Act 2001 category or Australian and New Zealand Standard Industrial Classification (ANZSIC) class commitments for hire purchase agreements for commercial finance commitments for debt participation in leveraged lease agreements commitments that involve or make provision for the issue of bills of exchange to be accepted, discounted or drawn by you new commitments which have also been cancelled during the month commitments for standby agreements commitments for revolving credit loans to individuals secured by mortgage (mortgage backed overdrafts) on residential properties where the stated purpose at application is as a commercial line of credit commitments to non-residents commitments for lease agreements (other than hire purchase agreements and debt participation in leveraged lease agreements), these should be reported on the Lease Finance form (RRF 393.0) deposits with financial institutions the purchase of securities unless it involves a direct commitment to a client bills of exchange and promissory notes purchased and held commitments contingent on some specified eventuality (eg bill endorsement, guarantees, letter of credit) unless and until that eventuality occurs commitments for discounts which exists as options under acceptance commitments 2 1 March 2003

3 commitments for personal investment loans these should be reported on the Personal Finance form (RRF 394.0) What is a dwelling? A dwelling is a place of residence which is: contained in a building which is an immobile structure private (ie not generally accessible to the public), and self contained (ie includes bathing and cooking facilities) How to consolidate for corporations registered under the Financial Sector (Collection of Data) Act 2001, report consolidated figures for all related corporations within the same RFC category for other corporations, report consolidated figures for all related corporations within the same ANZSIC industry SPECIFIC INSTRUCTIONS PART A: New commitments for fixed loans by purpose The purpose of the loan is that specified by the borrower. Multi-purpose loans should be split and each component reported in the appropriate purpose classification. Where this is not possible the whole loan should be classified to the major purpose. Fixed loans generally involve a commitment for a fixed period for a specific purpose and repayments over that fixed period which reduce the loan, but do not make further finance available. 1. Construction finance 1a. Erection of dwellings for rental/resale only dwellings that will be occupied by persons other than the owner(s) 1d. Erection of industrial buildings factories, automotive repair facilities etc. 1e. Erection of other non-residential buildings hotels, buildings for educational, religious, health, entertainment and recreational purposes 1f. Erection of non-building structures roads, bridges, railways, harbours, telecommunication towers, dams, powerlines, pipelines, sewers 1g. Alteration and/or additions all structural and non-structural changes to existing buildings 3 1 March 2003

4 maintenance and repairs (include in Question 7) improvements which do not involve building work (include in Question 7) 2. Finance for the purchase of land and buildings Include such things as are considered by law to be part of land (e.g. fencing). 2a. Purchase of dwellings for rental/resale only dwellings that will be occupied by persons other than the owner(s) 2d. Purchase of industrial buildings factories, automotive repair facilities etc. 2e. Purchase of non-residential buildings hotels, buildings for educational, religious, health, entertainment and recreational purposes 2f. Purchase of rural property all property used for agricultural or pastoral purposes 2h. Other land purchases land not elsewhere included 3. Wholesale finance Wholesale finance is finance for the purchase of goods by wholesalers and retailers. traders' stocks held under bailment or floorplan schemes 4. Purchase of plant and equipment 4a. Motor vehicles cars, station wagons, utilities, trucks, ambulances and passenger vehicles such as buses. motorcycles, trailers, caravans, trains, boats and planes (include in Other transport equipment below) 4b. Other transport equipment motorcycles, trailers, caravans, trains, boats and planes 4c. Other plant and equipment construction and earthmoving equipments agricultural machinery EDP and office equipment 6. Refinancing commitments where the principal purpose is to pay out (refinance) existing commercial loans 4 1 March 2003

5 7. Other maintenance and repairs, and other improvements to property not involving building work 9. Of the new commitments for fixed loans (Question 1 to 7), how much was debt participation in leveraged leases The amount of debt participation in leveraged leases should be included in fixed loans (Question 1 to 7). PART B: New commitments for revolving credit loans Revolving credit facilities involve a commitment for a credit or borrowing limit and where the extent of the borrowings used at any one time may be for any amount up to the authorised limit. Repayments (other than of charges and interest) reduce the borrowings thereby increasing the amount of unused credit available. For example, overdrafts limits (mortgage backed overdrafts). 14. Cancellations of, and reductions in previously approved credit limits the actual value of credit limits cancelled and the value by which existing credit limits were reduced during the month. amounts used as balancing or adjustment items (such as adjustments between states). These should be reported in Question 15 repayments which reduce the used portion of the credit facility but not the total credit available. These should be excluded from the form altogether 15. Balancing item (+/-) If the previous month's 'total credit limits available' (Q12 last month) plus (+) 'total new limits approved' (Q11) minus (-) 'cancellations' (Q14) does not equal the current month's 'total credit limits available' (Q12), please provide the amount and a reason for this discrepancy. PART C: New commitments by industry Industry is the business the client is mainly engaged in. The industry groupings are according to the Australian and New Zealand Standard Industrial Classification (ANZSIC). Include businesses that provide related or supporting services. 17. Agriculture, forestry and fishing borrowers engaged in providing related services such as sheep shearing, aerial agricultural services, harvesting or forest protection 18. Mining 5 1 March 2003

6 borrowers engaged in mineral exploration, in the provision of services to mining or mineral exploration, and mining enterprises under development 19. Manufacturing borrowers engaged in manufacturing products, where 'manufacturing is related to the physical or chemical transformation of materials or components into new products' 20. Construction borrowers engaged in special trade construction such as plumbing, earthmoving and dredging, painting etc. 21. Wholesale trade borrowers engaged in the resale of new or used goods to businesses or to institutional (including Government) users 22. Retail trade borrowers engaged in the resale of goods to final consumers for personal or household consumption borrowers engaged in the reselling their own goods by auction 23. Transport and storage borrowers engaged in providing terminal and storage facilities; services related to transport; booking, travel, forwarding, materials handling etc. 24. Finance and insurance borrowers engaged in the provision of finance, investments in financial assets and in providing services to lenders, borrowers and investors borrowers engaged in the provision of insurance and superannuation, and in providing services to insurers 25. Property and business services borrowers engaged in valuing, purchasing, selling, renting, leasing or managing real estate borrowers engaged in developing or subdividing land borrowers engaged in scientific research and meteorological services borrowers engaged in providing technical, legal, accounting and other business services borrowers engaged in renting and hiring equipment (except cars, trucks, and other transport equipment) 6 1 March 2003

7 26. Cultural, recreational, personal and other services borrowers engaged in providing entertainment, recreational, library, museum, accommodation, and catering services borrowers engaged in personal services such as laundries, hairdressing, photography, funerals private households employing staff borrowers engaged in the provision of public order and safety services (such as police, prison and fire-brigade) 27. Government administration and defense borrowers engaged in Federal, State and Local government enterprises engaged in public administration and regulatory activities judicial authorities and commissions Army, Navy and Air Force establishments 28. Health and community services borrowers engaged in providing health, welfare and employment services certain non-profit organisations such as religious organisations, business, professional and labour organisations, and political parties and associations formed to promote community or sectional aims 29. Other industries borrowers not elsewhere classified, such as those involved in the production or distribution of gas or electricity, the storage or supply of water, and the provision of education and communication services 30. Total (sum of Questions 17 to 29) The total of Fixed Loans in Question 30 should equal the total of Fixed Loans in Question 8. The total of Revolving Credit in Question 30 should equal the total of new Revolving Credit in Question 11. PART D: Comments 31. Please provide comments on any of the information you have supplied on this form on any questions which caused problems if you would like to suggest improvements to this form 7 1 March 2003

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